Iroquois Bancorp, Inc.

As of November 6, 2000, Iroquois Bancorp, Inc. was acquired by First Niagara Financial Group Inc. As of June 30, 2000, Iroquois Bancorp, Inc. operated as the holding company for the Cayuga Bank of Auburn, New York, and The Homestead Savings (FA) of Utica, New York. The company, through its banks, was engaged in the business of providing financial services to consumers and businesses. It offered a range of financial products and services. Loan products offered by the company included mortgages, home equity loans and lines of credit, consumer installment loans, credit cards, student loans, and commercial loans. Deposit products offered by the company included savings, checking, and time deposits; money market accounts; deposits for municipalities or other public corporations; and mortgage escrow accounts. The company also provided insurance agency services, investment brokerage services, trust services, and safe deposit facilities.